Imali-mboleko yeNgxelo yeBhanki: UKhetho oluKhululayo ngaphandle kokuBuyisa iRhafu okanye iW2

I-American mortgage landscape kudala ilawulwa ziimfuno ezingqongqo ezigxile kwimbuyekezo yerhafu kunye neefomu zeW2. Nangona kunjalo,isiteyithimenti sebhankiimali-mboleko ephelisa ezi mfuno iphazamisa imeko ekhoyo, inikezela ngeenzuzo ezininzi.

Kubanini bamashishini amancinci, olu khetho lwemali mboleko luyi-godsend. Cinga ngomnini wendawo yokutyela onenxalenye ebalulekileyo yomvuzo wakhe kwiingcebiso zemali. Ukuxela le ngeniso ngokuchanekileyo kwiimbuyekezo zerhafu kunokuba ngumsebenzi onzima, kwaye ukubonelela nge-W2 ayisebenzi njengoko ingabanikazi beshishini. Ngemali-mboleko yesiteyitimenti sebhanki, umbolekisi unokubona yonke ingeniso efakwe kwi-akhawunti yeshishini, kubandakanywa iidiphozithi zemali ezibalwe ngokufanelekileyo. Oku kunika abanini bamashishini amancinci ithuba lokwenyani lokufumana imali-mboleko yokuthenga ipropathi yorhwebo yokwandisa okanye ikhaya lomntu.

Iimali mboleko zebhanki nazo zigqamile xa zithelekiswa neemveliso zemveli zokubambisa. Iimali-mboleko zemveli zihlala zifuna ingcaphephe yexesha elideEZIs yokuqinisekiswa kwembuyekezo yerhafu, enokuthi ibe lixesha - idla kwaye iyakhathaza, ngakumbi xa ujongana nophicotho-zincwadi okanye iimeko zerhafu ezinzima. Ngokwahlukileyo koko, iimali-mboleko zebhanki zilungelelanisa inkqubo. Zinokuvunywa kwimiba yeeveki kuneenyanga, zivumela ababoleki ukuba bathabathe amathuba ezindlu nomhlaba ngokukhawuleza.
Kodwa ababoleki kufuneka balumke. Ngelixa iimbuyekezo zerhafu kunye nee-W2 zingafuneki, umbolekisi uya kuzijonga ngocoselelo iziteyitimenti zebhanki. Ngokomzekelo, ukuba kukho ukuhoxiswa okukhulu, okungaguqukiyo okunokubonisa ukungazinzi kwezemali okanye ukuhlawulwa ngokugqithiseleyo kwetyala, kunokuphakamisa inkxalabo. Imbali yebhanki ecocekileyo negcinwe kakuhle ibalulekile.

Ngamafutshane, imali-mboleko yesiteyitimenti sebhanki engafuni mbuyekezo yerhafu okanye iifomu ze-W2 ziguqula indlela abantu baseMelika abajongana ngayo nobunini bamakhaya. Banikezela ngeendlela eziguquguqukayo, ezifikelelekayo, ngakumbi kwabo banengeniso engeyiyo yemveli. Ngokusebenzisa amandla eengxelo zebhanki, ababoleki banokujika ikhaya labo - ukuthenga amaphupha abe yinyani.